TellerScore

Family First of NY Federal Credit Union is a federal credit union headquartered in Rochester, New York, in business for about 57 years. At the end of Q2 2026 it reported $345.3M in total assets and $258.7M in member shares and deposits, with 4 offices.

Family First of NY Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 163rd. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.99%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity50/100
Loans ÷ shares: 111.5% · 4.6% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (62 → 66), mostly because the capital cushion component improved by 10 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202456
Q1 202561
Q2 202562
Q3 202564
Q4 202565
Q1 202668
Q2 202666
Net worth ratio
7.00%9.51%12.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.76%
Q3 202410.85%
Q4 202410.98%
Q1 202511.11%
Q2 202510.96%
Q3 202511.13%
Q4 202511.38%
Q1 202612.02%
Q2 202611.99%
Delinquent loans (60+ days)
0.32%0.69%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.91%
Q3 20240.77%
Q4 20241.05%
Q1 20250.64%
Q2 20250.65%
Q3 20250.50%
Q4 20250.60%
Q1 20260.32%
Q2 20260.59%
Return on assets
0.20%0.41%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.28%
Q4 20240.31%
Q1 20250.34%
Q2 20250.49%
Q3 20250.56%
Q4 20250.63%
Q1 20260.41%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$345.3M11.99%0.59%0.50%111.5%
Q1 202668$340.2M12.02%0.32%0.41%109.9%
Q4 202565$328.1M11.38%0.60%0.63%110.9%
Q3 202564$329.3M11.13%0.50%0.56%112.7%
Q2 202562$329.2M10.96%0.65%0.49%110.3%
Q1 202561$319.8M11.11%0.64%0.34%110.8%
Q4 202456$321.3M10.98%1.05%0.31%114.1%
Q3 202459$322.0M10.85%0.77%0.28%114.0%
Q2 202457$321.4M10.76%0.91%0.20%107.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.99%
58th
Problem loans0.59%
57th
Net charge-offs0.17%
75th
Return on assets0.50%
30th
Loans to deposits111.5%
1st
Uninsured deposits4.6%
64th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
50th

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InstitutionScoreAssetsCapitalProblem loansCompare
Nassau Financial Federal Credit UnionCredit union East Meadow, NY50 out of 100, Below average$334.4M6.2%0.41%vs
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Hudson River Community Federal Credit UnionCredit union Corinth, NY77 out of 100, Strong$364.2M15.3%1.17%vs
Secny Federal Credit UnionCredit union Syracuse, NY56 out of 100, Moderate$322.7M7.6%0.93%vs
People'S Alliance Federal Credit UnionCredit union Hauppauge, NY67 out of 100, Moderate$322.2M11.1%0.58%vs
Dannemora Federal Credit UnionCredit union Plattsburgh, NY85 out of 100, Very strong$320.3M14.6%0.51%vs

Deposit insurance

Is my money safe at Family First of NY Federal Credit Union?

Yes. Family First of NY Federal Credit Union is a federally insured credit union (NCUA charter #19304). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.6% of shares and deposits ($12.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.99%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Family First of NY Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Family First of NY Federal Credit Union
Type
Federal credit union
NCUA charter #
19304
RSSD ID
176482
Primary regulator
NCUA
Established
1969
Headquarters
2520 Browncroft Blvd, Rochester, NY 14625
Employees
71

Quick answers

Family First of NY Federal Credit Union: common questions

Is Family First of NY Federal Credit Union NCUA insured?

Yes. Family First of NY Federal Credit Union is a federally insured credit union (NCUA charter #19304). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Family First of NY Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Family First of NY Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
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Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
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Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs